After many years of working and planning for retirement, I’ve found it’s not that easy to just say “Today’s the day. I’m going to retire.” I’m a planner, so I’ve been working toward this day for years. But, when is the best time financially to retire? (more…)
They say it’s the most wonderful time of year. I suppose it is, but some don’t feel that way every year. If you don’t feel that way it’s alright. It doesn’t mean you’re a bad person. It’s understandable if you’ve had a hard year and the holidays bring back memories of those rougher times. It’s ok if it brings back memories of happier times that you want again. It’s ok if you just don’t feel it. This past year has been a tough one for a lot of us. (more…)
Oh the Holidays. It’s a hard time of year for a budget, when you buy for so many–immediate family, aunts, uncles, grandparents, teachers, babysitters, co-workers, mail man, paperboy, neighbors and the list is endless. It’s easy to spend way over your budget and charge gifts. That is a good way to completely crash the budget. It’s easy, until the payments are due.
Are you looking to be a bit more realistic and spend what you can afford this year? Here are some tips for how to set a budget plan and stick to it. (more…)